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Pet Health Insurance For Pre-existing Conditions
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We love our pets! An impressive 70% of households in the United States own a pet. As people spend more money on their pets, more of them have also bought pet insurance policies. It is important to understand that not all pets may be covered by all policies, especially if they have pre-existing conditions. In this expert review, we evaluate the best pet insurance for existing conditions.
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Embrace covers curable pre-existing conditions, but they can be excluded from coverage for a period of 12 months. Many other pet insurance companies review the last 24 months or the entire life of your pet, depending on their age. This means that if your cat or dog has experienced certain conditions before enrolling with Embrace, any related recurrence will not be covered for a year after the last episode. Embrace is also one of the few pet insurers that differentiates between curable and incurable pre-existing conditions, allowing for the greatest long-term coverage.
With Embrace, pet owners can choose reimbursement options ranging from 70% to 90% of covered veterinary expenses. His plans have an annual deductible and an optional add-on for preventive care. Embrace also offers a 10% multiple pet discount for each additional pet and a 5% military discount. Embrace has been providing pet health insurance since 2003. Embrace also has a feature called “Healthy Pet Deductible.” For each year a pet owner does not receive a statement of claim, the next year’s deductible is reduced by $50. If you have a $200 deductible and have no claims for four years, your deductible will be $0. When you file a claim, the Healthy Pet Deductible is reset.
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Figo covers pre-existing conditions that are considered cured if your pet shows no signs or symptoms within 12 months of the last treatment. To find out which conditions can be considered curable, you need to contact Figo’s customer support. While most pet insurers do not cover bilateral or chronic conditions, Figo covers conditions such as hip dysplasia, knee and chronic conditions, as well as cancer treatments.
Figo has no lifetime maximum for care. There is also no per-incident cap, meaning there is no maximum for claim payments by condition type. Figo also offers the Figo Pet Cloud app. Pet owners can use the app to connect with other pet owners, find pet parks, pet care centers and more. Through the app, Figo offers free 24/7 access to a licensed veterinarian to assist in emergencies. Figo has a 14-day sickness and one-day accident waiting period. Pet owners can choose a reimbursement of 70% to 100% of covered veterinary expenses. Most plans cap coverage at 90%. Its plans have an annual deductible and Figo offers a 10% multiple pet discount for each additional pet. Figo has been providing pet health insurance since 2015.
ASPCA defines a pre-existing condition as a health problem that occurs before coverage is effective or during a waiting period. However, ASPCA no longer considers a condition to be pre-existing if your pet has been cured and without treatment for it or symptoms of it for six months, shorter than the typical one- to two-year term other pet insurance companies use. This does not include knee and ligament conditions. If a knee or ligament condition occurs before the coverage date or during a waiting period, any future problems will not be covered.
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ASPCA Pet Health Insurance plans have coverage for hereditary and congenital conditions. ASPCA does not have age limits for illness coverage enrollment (this is the age for a pet when illness coverage is no longer available for new enrollments). It also does not require an exam before pet owners are reimbursed for claims. ASPCA has a 14 day illness and accident waiting period. Pet owners can choose reimbursement of 70% to 90% of covered veterinary expenses. His plans have an annual deductible and an optional add-on for preventive care with no waiting period. ASPCA also offers a 10% multiple pet discount for each additional pet. ASPCA has been offering pet health insurance since 1997.
Many pets cover treatment for pre-existing conditions under certain circumstances. They cover curable pre-existing conditions once your pet has been free of symptoms and treatment for 18 months – unless it’s a cruciate ligament (CL, CCL, ACL) injury or hip dysplasia. In that case, they cover all future claims. According to its website, Many Pets says it covers more conditions than other pet insurance companies and offers comprehensive coverage with no limits.
It covers hereditary conditions, dental diseases, exam fees, and more. In general, the insurer includes coverage of bilateral conditions. If a bilateral condition is diagnosed on both sides of your pet’s body at the same time, ManyPets will treat this as a single illness. ManyPets has no limits on claims or refunds. You can customize your copays and deductibles and get up to 100% of your vet bill reimbursed if your pet has an accident or illness. ManyPets also has 24/7 access to virtual pet consultations. It has a 15 day waiting period and a wellness plan add-on. Founded in 2012, it is an international company based in Atlanta, Georgia, Stockholm, Sweden, and London, U.K.
Pet Assure is not a traditional pet insurance company. It is a veterinary discount plan that offers enrollees discounts on veterinary care for their pets, so all pre-existing conditions are covered by Pet Assure. After enrolling your pet, you will take your Pet Assure ID to a local network vet. The veterinarian will give you discounts for medical services. Every single pet, procedure and medical service is covered under Pet Assure. There are no exclusions.
Does Pet Insurance Cover Pre Existing Conditions?
Participating Pet Assure veterinary practices give you discounts on all medical care. There is no waiting period with PetAssure. There are also no forms to fill out, claim process or reimbursement. There is no rejection either. Pet Assure costs start at under $10 per month. However, a typical pet insurance company may cover up to 100% of the medical bill minus the deductible. So Pet Assure can be a good way to fill in gaps where a pet insurance policy doesn’t cover certain procedures or pre-existing conditions.
Most pet insurance policies do not cover pre-existing conditions. Since pets are considered property, there are more restrictions and exclusions than for health insurance for humans. So the earlier you cover your pet, the greater chance you have of covering chronic diseases that develop later in life.
The cost of covering pre-existing conditions is high and since the average life expectancy is 10-12 years for dogs and 10-14 years for cats, pet insurance companies may not cover them. Some may cover pre-existing conditions if they are treatable and your pet has not experienced the condition for a certain period of time.
A pre-existing condition is any injury or illness your pet experiences before your policy’s waiting period is over. In other words, any medical condition your pet has before the policy starts is not covered. This prevents pet owners from getting pet insurance immediately after a major injury or illness diagnosis. Pet insurance is used to cover a future illness or injury to a pet, not those in the past.
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So for example, if your dog breaks a leg before you have enrolled in a pet insurance plan, any expenses related to the injury will not be covered. Any future related treatments and expenses are also not covered. A condition is considered pre-existing even if your pet never visited a vet before it was officially diagnosed
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